Investor Presentaiton

Financial Business Credit products widens customer's base 6% of our gross revenues Payment Book CASAS BAHIA DEDICAÇÃO TOTALA VOCE Co-branded Card CASAS BAHIA BradesCard pontofrio Itaucard 5414 0000 0000 0000 5414 D0000 09/00 ANTONIO SJ FIRES MasterCard SUTT 1800 0000 0000 Vaidade 30/00 6000 MasterCard ANTONIO CONTINGO 14% of our sales ✓ 13% penetration among clients* ✓ 1.7 million active customers ✓ 5 million customers pre-approved ✓ 12 months average term ✓ Proprietary scorecard ✓ 16% of our sales ✓ 12% penetration among clients* ~1.8 million' active customers ✓ 11 months average term ✓ Special sales conditions *June 2016 'LTM 20

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